Month: October 2017

We Live in a Society driven by information. Information provides the building blocks upon which knowledge is constructed. Today, knowledge is the real currency of business-the stimulus that drives our economy and thus our livelihoods. Two of the most revered thinkers of the past 100 years, Peter Drucker and Philip Kotler, were clear in their characterization of the contemporary business environment. That is, we now live in a knowledge society. Peter Drucker noted this transformation in his book The Post Capitalist Society, exhorting, “That knowledge has become the resource, rather than a resource. Further, “This fact changes-fundamentally-the structure of society.” According to Kotler “the passage from an Industrial Economy into an Informational Economy is introducing new considerations that question the suitability of conventional marketing thinking in developing today’s and tomorrow’s marketing strategies.” Why Edumarketing? The past ten years have seen tremendous tumult in the field of marketing. We live in a media-rich world in which information bombards us from all angles. In his compelling book, Influence: The Psychology of Persuasion, Robert Cialdini states, “You and I exist in an extraordinarily complicated stimulus environment, easily the most rapidly moving and complex that has ever existed on this planet.” These views suitably describe the world we live in, where information and knowledge are central to our existence. The advent of computers, the Internet, wireless communication, and other technologies are presenting new...

If you are looking for new trading opportunities and want somebody to do the trading on your behalf, then it will be best if you can get expert services of a Forex expert advisor. It is a system that will do the various trading activities on the Meta 4 platform on its own. All of these systems are different from each other and their working is governed by a different set of rules. Each advisor has got different controls and you can program them as per your needs. Like they will make an entry and exit to the market...

You can be faced with many problems in life, but one of the worst is when you realize that you can not afford to pay for the loans and credit cards you may have had for several years. One way out of this financial difficulty problem could be to take out a further loan to pay off your outstanding debt. However, often people find it's not enough to take out only one loan, but take out loans to cover the mortgage, the car, medical bills and so on. Having several debts can be really difficult, and you will find yourself feeling stressed trying to handle them all. One solution may be to take out a consolidation loan. Consolidation loans work by combining all your existing debts into one, single debt, which may be easier for you to handle than the several existing debts. Home owners may find it easier to obtain a consolidation loan as the loan will will be secured on the property. However, it is possible to obtain an unsecured loan, but you may find that you'll have to pay a higher interest rate. There are many banks and lenders which have a great deal of lending debt consolidation loans to borrowers who want to take out this type of loan. As you will only be making one payment each month may give you the chance to...

In Human Resource (HR) and management circles nowadays there is much talk about Strategic Human Resource Management and many expensive books can be seen on the shelves of bookshops. But what exactly is SHRM (Strategic Human Resource Development), what are its key features and how does it differ from traditional human resource management? SHRM or Strategic human resource management is a branch of Human resource management or HRM. It is a fairly new field, which has emerged out of the parent discipline of human resource management. Much of the early or so called traditional HRM literature treated the notion of strategy superficially, rather as a purely operational matter, the results of which cascade down throughout the organisation. There was a kind of unsaid division of territory between people-centred values of HR and harder business values where corporate strategies really belonged. HR practitioners felt uncomfortable in the war cabinet like atmosphere where corporate strategies were formulated. Definition of SHRM Strategic human resource management can be defined as the linking of human resources with strategic goals and objectives in order to improve business performance and develop organizational culture that foster innovation, flexibility and competitive advantage. In an organisation SHRM means accepting and involving the HR function as a strategic partner in the formulation and implementation of the company’s strategies through HR activities such as recruiting, selecting, training and rewarding personnel. How...

If you have owned a house and paid off the mortgage over the years you know the first 10 years is almost all interest payments with very little equity. There is nothing wrong with buying a house as long as you can qualify. That means a good down payment and a steady job. None of that no-down-payment nonsense. The buyer must be serious about making those monthly mortgage payments and have a good job. Banks are checking these days. The financial community in the recent past has been required to make mortgages for those who did not qualify with no down payments and had no serious intention of paying if it became economically uncomfortable. It is too easy to walk away. The true cost of home ownership is not just the monthly mortgage payment. In a new house all the appliances, plumbing, roof, pool equipment, window frames, etc., etc., everything has an estimated life expectancy after which they need to be replaced. Buying an older home means all of the above will occur sooner. Replace or repair can be expensive. The true cost of keeping the house is the mortgage payment plus upkeep. Oh and let’s not forget taxes. Then there is a little thing called insurance that is required by the mortgage holder. The industry calls it PITI = principle, interest, taxes and insurance. Depending upon the length...